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Texas Republican Sen. Ted Cruz appears well-positioned for re-election over his Democratic challenger Rep. Beto O'Rourke, topping him 52% to 45% among likely voters, a new CNN poll conducted by SSRS finds.Just 9% of likely Texas voters say there's a chance they could change their mind about the Senate contest before Election Day, although O'Rourke's voters are more apt to be locked in to their choice (92% say their minds are made up) than are Cruz's backers (87% say they've made a final decision).The two candidates are set to debate Tuesday night, and O'Rourke will participate in a CNN town hall later this week. O'Rourke's challenge has drawn tens of millions in donations, forcing Republicans to play defense in one of the few Republican Senate seats in play this election cycle. President Donald Trump even plans to host a rally for his former rival's benefit.The President could be an asset among those planning to vote in Texas. Trump's approval rating is net negative statewide, with 50% of adults disapproving of his handling of the presidency vs. 41% who approve. Among likely voters, however, 49% approve of Trump's job performance and 48% disapprove.The gender gap in this race is tighter than what CNN has measured in nationwide polling on the House generic ballot and in other Senate contests. In four other critical battlegrounds, the gender gap has been 30 points or higher in three states, and stood at 21 in the fourth. In this contest, it's a narrower 18 points. O'Rourke holds just a 2-point edge among women, the smallest for a Democrat among women in the states CNN has polled so far. The next closest is Jacky Rosen's 14-point lead among women in Nevada earlier this month in her race against Republican Sen. Dean Heller.In Texas, the race gap appears more meaningful than the gender gap. Latino voters break sharply in O'Rourke's favor, 62% to 35%, while white voters favor Cruz by a 2-to-1 margin, 66% to 33%.Likely voters in Texas place immigration at the top of their issue list: 26% call it the most important issue in deciding their vote, while 23% call the economy their top priority. Cruz leads among both sets of voters. O'Rourke has a wide edge among the 19% of voters who call health care their top issue. Eleven percent say their top issue is national security, 8% gun policy and 5% the investigation into Russian interference in the 2016 election.Both Senate candidates hold net-positive favorability ratings with voters in Texas generally, and that holds among those most likely to vote. Cruz is viewed positively by 51% of Texas voters, 41% have an unfavorable view, and O'Rourke is seen favorably by 45%, with 36% holding a negative opinion. Cruz fares better among his own partisans (92% favorable among Texas Republicans) than O'Rourke does with Democrats in the state (81% favorable among Democrats).The poll also finds Texas Gov. Greg Abbott standing well ahead of his Democratic challenger in the poll -- 57% of likely voters support Abbott with 39% for Lupe Valdez.The CNN poll in Texas was conducted by SSRS October 9 through 13 among random statewide samples reached on landlines or cell phones by a live interviewer. Results for the full sample of 1,004 adults have a margin of sampling error of plus or minus 3.8 percentage points. For the subset of 862 registered voters, it is plus or minus 4.1, and for the 716 likely voters, plus or minus 4.5 percentage points. 3447

Taylor Swift was once the sweetheart of Nashville and a frequent attendee of the CMA Awards.She racked up 11 wins and 26 nominations before crossing over to becoming a global pop star. Since that time she has moved away from her country roots. In fact, she has not seen a CMA nominee since 2014 when she was nominated for Female Vocalist of the Year. She is back on the CMA ballot this year not as a performer but as a songwriter. She wrote Little Big Town's chart-climber "Better Man", which is up for Single of the Year, Song of the Year and featured on a nomination for Album of the Year.Little Big Town is also nominated for Vocal Group of the Year. The Song of the Year nomination is what has Music Row talking about whether they will see Swift at this year's award show. That particular award is given to the writer of the song, not the performer.That means if the song is a winner tonight at Bridgestone Arena it would make sense to see Swift on stage to accept the award.Her last appearance at the show was just a year ago for the 50th anniversary when she presented Garth Brooks with the award for Entertainer of the Year.?Swift is in the middle of a busy week. In the past 24 hours she released the full track list for her upcoming album and also shared videos from a private listening party she had for lucky listeners at home.Swift's new album, "Reputation" drops Friday.To find out if she will make an appearance at the 51st Annual CMA Awards, tune in tonight at 7p.m. (CT) on ABC.  1518

The #FBI and #ATF are seeking info concerning the owner of the RV, Anthony Quinn Warner, linked to the explosion in downtown Nashville on Friday morning. Recognize him? Call 1-800-CALL-FBI or submit tips online at https://t.co/hG6KFmQ7dG. @FBI @ATFHQ @ATFNashville pic.twitter.com/o8fqiHkATl— FBI Memphis (@FBIMemphis) December 28, 2020 350

Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

Terminally ill British toddler Alfie Evans died overnight, days after life support was withdrawn, according to messages posted Saturday by his parents on Facebook."My gladiator lay down his shield and gained his wings at 02:30. absolutely heartbroken. I LOVE YOU MY GUY," his father, Thomas Evans, wrote on the "Save Alfie Evans" Facebook page."Our baby boy grew his wings tonight at 2:30 am. We are heart broken. Thankyou everyone for all your support," his mother, Kate James, posted on the "Alfies Army Official" Facebook page. 538